25 Oak Ave, Effingham, NH 03882 Property Records

Carroll County and Effingham Town property record for 25 Oak Ave, Effingham, NH 03882

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 290 sqft · built 2006
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Jun 2025)
Tax Bill	$4,843 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`EFFI M:00105 B:000006 L:000001`

Property Details

APN / Parcel Number

Primary APN	`EFFI M:00105 B:000006 L:000001`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	290 sqft Living Area
Gross Area	744 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Rustic
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Street Address	25 OAK AVE
City	EFFINGHAM
State	NH
Zip	03882
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLD PR
Legal Block	6
Legal Lot Number	1
Jurisdiction	EFFINGHAM TOWN NH
Township / Civil Division	EFFINGHAM
Census Block Group	1
Census Block	1029
Census Tract	955801

Owner

Source: Carroll County and Effingham Town records, as of April 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	26 DRY HILL RD, ROCHESTER, NH 03839-5407
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NORTHWAY BANK
Jun 26, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWAY BK
May 25, 2018	Warranty Deed, Transfer
Sep 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage ST MARYS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2025 · Amount on Record
Deed Sale	Jun 5, 2025 · Amount on Record
Prior Sale	Jun 26, 2020 · Amount on Record
Deed Document Number	2025202500046330
Deed Book / Page	3824 / 886
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM TOWN NH
Property Address	25 OAK AVE, EFFINGHAM, NH 03882
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003726-0897
Date	Jun 23, 2023
Book Page	3726/897
Instrument	202300050890

Lender

Name	NORTHWAY BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2043

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM TOWN NH
Recording Date	Jun 26, 2020
Property Address	25 OAK AVE, EFFINGHAM, NH 03882
Document Number	0035120914
Book / Page	003512 / 000914
Instrument Date	Jun 22, 2020
Instrument	541
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	269 ALLARD HILL RD CONWAY NH 038185306, CONWAY, NH 03818-5306

Mortgage

Document Number	35120916
Date	Jun 26, 2020
Book Page	003512/000916
Instrument	542

Lender

Name	NORTHWAY BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

Interest

Rate Type	Adjustable Rate
Rate	4%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM TOWN NH
Recording Date	May 25, 2018
Property Address	25 OAK AVE, EFFINGHAM, NH 03882
Document Number	0033890832
Book / Page	003389 / 000832
Instrument Date	May 24, 2018
Instrument	5202
Transaction Type	Transfer
Record Updated	Jun 13, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 GREAT LEDGE LN GLOUCESTER MA 019301560, GLOUCESTER, MA 01930-1560

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM TOWN NH
Property Address	25 OAK AVE, EFFINGHAM, NH 03882
Document Number	0033520118
Instrument Date	Sep 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 OAK AVE EFFINGHAM NH 03882, EFFINGHAM, NH 03882

Mortgage

Document Number	0033520118
Date	Sep 29, 2017
Book Page	003352/000118
Instrument	10789

Lender

Name	ST MARYS BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 28, 2032

Tax Assessment & Valuation

Source: Carroll County and Effingham Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New Hampshire
County	Carroll County
County Subdivision	Effingham Town
Unified School District	Governor Wentworth Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,843.00 (-36.86%)	$314,900 (+12.99%) Land $239,200 Building $75,700
2024	$7,670.00 (+11.47%)	$278,700 (-) Land $219,300 Building $59,400	$446,405
2023	$6,881.00 (+4.75%)	$278,700 (-) Land $219,300 Building $59,400
2022	$6,569.00	$278,700 Land $219,300 Building $59,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 13, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 99.4% of New Hampshire
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

No cell data coverage reported

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